If you’re hunting for good car insurance rates in California or Nevada, make sure you don’t make the following mistakes.

Not Shopping Around
This is probably one of the most common mistakes people make when getting auto insurance. They don’t take the time to look at all possible options before they settle down with one insurance company, often just looking at one insurer. Consider going online where you can get plenty of free quotes from various insurance companies.

Even if you only search among the biggest insurers, you will find that there is a significant difference in the premiums they offer. By not getting these different quotes, you’ll probably end up wasting considerable cash on your car insurance. So shop around before you decide and you’ll save some good money on premiums.

Believing that You Are Covered Completely
Memorize these words: “There is no car insurance policy in the world that provides full coverage.” Don’t let anyone convince you otherwise. Even auto policies with the best coverage have plenty of gaps. Clients aren’t aware of these gaps, until the need arises and of course, nothing can be done about it.

So the next time you’re sitting with an auto insurance agent, just cut to the chase and ask him/her plainly what is not covered. Once you know, ask the agent to adjust the premium so it addresses the most probable events. Think about your specific needs. For instance, if there is a car theft issue where you live, it’s a good idea to add theft coverage to your policy.

Paying Monthly Instead of Bi-Annually
Monthly payments always seem more convenient. And they are, not just in car insurance but in just about anything from consumer electronics to home loans. Those small installments are quietly deducted each month without any hassle. However, they’re not always financially beneficial. When you pay monthly car insurance premiums, you’re actually paying more because of the required deposit.

Instead, pay the full amount when its due, usually every six months. This will save you around one month’s premium for every six months. It will add up to considerable savings over time. As human beings we’re hardwired to take the “easy” route, to avoid “bigger damage”, which is why we usually view monthly installments as less intimidating. Now you know what is better.

Clinging to the State Minimum Coverage
The state minimum coverage is probably the cheapest insurance you can get. However, it may also be quite insufficient for covering the damage to a more expensive vehicle. For instance, if you hit an Audi while you’re driving a Honda, chances are that you’ll find the repair/replacement costs are much more than your coverage. The rest will be coming out of your pocket. So clearly, sticking the the state minimum coverage is not a good idea even though it may seem like it.

Keeping the Deductible Too Low
Raising your deductible is one of the simplest ways to save on your auto insurance premium. For instance, if you raise the deductible from $200 to $1000, you can save more than 40% on your insurance payment. Just keep in mind that you’ll need that amount saved somewhere in your bank in the event you need it.

Now you’re in a much better position to get car insurance. Give our insurance agents a call today to help set you up with affordable car insurance (760) 471-2200.
Posted 3:43 PM

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Kipper Insurance Agency of California, Nevada & Arizona
Carlsbad, CA 92009
Phone: 760-471-2200
Fax: 760-856-4071
License#: 0E67716

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